Hey alle, ich bin neu " Erwachsene " und habe keine Beziehung zu meinen Eltern, so viele Dinge sind mir unbekannt, ich bin mit den SVs versichert und sie schickten mir eine Mail, die besagt, dass ich eine Rente von den auf dem Foto auswählen muss.
Welches sollte ich zu einem der mehr Wissen, welches sollte ich wählen? Welche Fragen sollte ich stellen? Was ist von Bedeutung?
Vielen Dank !!
https://i.redd.it/dptxru2npfff1.jpeg
Von Oblivi0nD4C
5 Kommentare
You are asked to choose a „Vorsorge Kasse“ which is not your Pension. Pension is provided by the austrian authorities and is mandatory.
The „Vorsorge Kasse“ is an additional fund, which is supposed to pay out at the age of retirement, giving you an extra couple of hundred/thousand euros. They operate similarly to Stock Fonds managed by banks, investing your money for you, with the benefit of the state garanteeing a certain minimal amount beeing paid out at the end.
They vary slightly in the kind of stocks and assets they invest in – e.g. more green energy focused, more new technology focused etc. – just look at their websites to see their focus and past performace.
You can also retrive your money early, with a waiting period of – i think – 3 years.
Pension is around 18% of your post tax income, while the amount going towards these funds is around 3%
Tbh they are equally as bad… Just pick one
These are not pensions. This is the fund for the Abfertigung neu. It probably won’t matter which one you join, but you might want to look up their respective performances so you dont lose money on it like me (vbv).
pick one and cash out as soon as possible
They are all equally awful. Welcome to the country, where people are obligated to give 1,53% of their money to this, additionally to the extraordinary high tax burden.